The Standard Chartered Platinum Rewards Credit Card is among the most preferred credit cards among those who need a balance between rewarding benefits and financial convenience. The card is developed for those people who enjoy rewards on their purchases of everyday goods. Its notable feature is the reward points system with high reward points, which cardholders can obtain in a lot of spending categories, such as dining, fuel, and traveling.
Besides reward points, this card offers very attractive features, such as a waiver of fuel surcharge, exclusive discounts on dining, and special offers on travel and lifestyle services. This card has extensive security features in case of transactions, with such features including advanced fraud detection and zero liability in case a card is lost.
The fees for this Standard Chartered Platinum Rewards Credit Card include an annual fee that is quite decent and gets waived off when spending thresholds are reached. So it would be quite cost-effective for users of this card to regularly use the card. Also, it gives a simple facility for EMI conversion where huge purchases can be converted into a more manageable form of monthly installments.
What is the Standard Chartered Platinum Rewards Credit Card?
The Standard Chartered Platinum Rewards Credit Card is a financial product that offers its users rewards and benefits on day-to-day spending. For instance, whenever you spend using this card in categories such as dining, fuel, and travel, you gain reward points for each of your spends. You can redeem these reward points for gifts, vouchers, or discounts on various goods and services and make your spending more rewarding. T
He also gets extra rewards in the form of dining and travel offers along with discounts on those. This card also gives security features, including fraud protection and the opportunity to convert large purchases into easy EMIs. It is the best option for people who make the most out of their expenditures.
How is the design of the Standard Chartered Platinum Rewards Credit Card?
The Standard Chartered Platinum Rewards Credit Card has a sleek, modern design with elegance and simplicity. It is normally smooth, and metallic, and shows the bank’s logo and the cardholder’s name.
The card is very clear and readable with the most essential information on it, including the card number and date of expiry, which is printed on it. It is compact and easily fits into any wallet, making it very portable. It is both stylish and functional since it appeals to users who would appreciate a fusion of sophistication and practicality in their credit cards.
What are the benefits of the Standard Chartered Platinum Rewards Credit Card?
Here are several practical benefits of the Standard Chartered Platinum Rewards Credit Card for enhancing your day-to-day expenditure experience:
- Reward Points: Avail reward points on every single purchase, be it on food, fuel, and travel, redeemed for gift coupons, merchandise or travel booking, etc.
- Waiver of fuel surcharge: Save money with a waiver at all petrol pumps across the nation.
- Dining Deals: Get more with partner restaurant offers, that can make eating out cheaper and worthwhile.
- Easy EMIs: Large purchases turn into easy EMIs, that help manage your wallet in a much better way.
- Travel Benefits: Exclusive offers on travel bookings that help you get great deals on flights and accommodation.
- Security Transaction: Benefits include fraud detection and zero liability on lost cards.
- Annual Fee Waiver: An annual fee is waived if one meets the spending criteria, making the card even a better deal.
What are the fees for the Standard Chartered Platinum Rewards Credit Card?
Here is a simple breakup of the Standard Chartered Platinum Rewards Credit Card fees.
| Joining Fee | ₹250 + GST (one-time fee when you get the card). |
| Annual Fee | ₹250 + GST per year. This will be waived if you spend ₹5,00,000 or more in a year. |
| Add-on Card Fee | No charges for additional cards for family members. |
| Finance Charges | 3.75% per month (45% annually) on the outstanding balance if you don’t pay your bill in full. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than or equal to Rs. 100: NILBetween Rs. 101 to Rs. 500: Rs. 100Between Rs. 501 to Rs. 5,000: Rs. 500Between Rs. 5,001 to Rs. 10,000: Rs. 700Between Rs. 10,001 to Rs. 25,000: Rs. 800Greater than Rs. 25,000: Rs. 1,200 |
What are the criteria for getting a Standard Chartered Platinum Rewards Credit Card?
The following are the primary requirements:
- To apply for the Standard Chartered Platinum Rewards Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs.3 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for Standard Chartered to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.
- You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What are the necessary documents required to get a Standard Chartered Platinum Rewards Credit Card?
The documents that you will have to submit to get a Standard Chartered Platinum Rewards Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, ancient agreements, Bankstatementst, or passbooks with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Standard Chartered Platinum Rewards Credit Card be used?
Here is the list of places where you can use it:
- With Standard Chartered Platinum Rewards Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Standard Chartered Platinum Rewards Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Standard Chartered Platinum Rewards Credit Card?
The credit amount you can spend is what you are provided with a Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for a Standard Chartered Platinum Rewards Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the Standard Chartered Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by Standard Chartered Bank; for instance, you can choose the Standard Chartered Platinum Rewards Credit Card.
- Just hover your cursor on Standard Chartered Platinum Rewards Credit Card, followed by selecting ‘Apply Now’ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest Standard Chartered Bank branch to apply for the Credit Card.
- Request for the credit card application form of the Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Standard Chartered Card website, or mobile app or by calling their customer service.
- You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.
Will it be right to get a Standard Chartered Platinum Rewards Credit Card in 2025?
Yes, getting a Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
Standard Chartered is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
This Standard Chartered Platinum Rewards Credit Card can be said to be a multi-faceted rewarding financial product, especially for someone who looks at making the best out of the daily spending money. This reward points program offers attractive incentives on essential categories like dining, fuel, and travel to cardholders to convert regular spending into value-creating rewards.
One of the biggest conveniences of this card is that it is flexible. Easy EMI conversion can manage finances better if big-ticket purchases are made when costs are allowed to be split over several months. The substantial security measures guarantee risk-free transactions, especially the digital age has seen the biggest boom in fraud as well. To get more information watch youtube videos.
Frequently Asked Questions (FAQ’s)
Ans: The rate varies and depends upon the requirements made at the time of credit application. A careful understanding of the conditions for the specific applicable interest rates of outstanding balance can be drawn.
Ans: One can convert larger purchases into simple easy monthly installments (EMIs), thus better managing payments.
Ans: Yes, this card provides its customers with a waiver on fuel surcharges at various petrol stations in India, hence saving money on fuel charges.
Ans: This card provides substantial security features such as online fraud detection and zero liability for a lost card. That means your transactions are safe and secure.
Ans: If you lose or your card is stolen, you are to immediately call Standard Charter’ s customer hotline to block your card so no unauthorized transactions would be made with it. Replacement cards can also be issued.
